But RM936.6 can convert THB 7,185.70 after fee
So why don't you just convert in wise app and use at Thailand locally?

And 100/13.38 = 7.4738 which quite low rate

Money changer will always be cheaper overseas ATM anytime because of network fees 🤦‍♀️

Did you calculate correctly on Wise where is it 12.96 before fee because if you add up 1128 baht plus rm28

Only valid in Malaysia ATM withdrawals 🤦‍♀️

He is asking for Thai ATM withdrawal whereby should be triple charges from atm, network fee and conversion fee

just use digital card with googlepay or applepay

yes. Q4 2023 supported both.

That's right, fanboys are always out there saying Wise is the cheapest option and doesn't charge any fees, which isn't the truth at all. When you actually look at all the fees, Wise is usually just a bit better than your regular credit cards but not as good as those cards that actually don't charge you extra for foreign transactions.

Sharing of info here

For those planning to use wise card in Singapore mrt, remember to chip and pin at atm (balance enquiry will do) to activate your card before you even start your journey, I got stuck at exit gantry and charged maximum fare

Also, there is extra charge of SGD0.60 oversea administration fee even fare was charged to my SGD account (my card was issued in malaysia)

free, use UOB ATM's or Maybank ATM's (harder to find)

do not use OCBC nor DBS/ POSB ATM's, they charge $5 - $8 SGD per withdrawal

i saw that you have already opened a Singapore bank account, why not use their debit card from the bank you applied for or you have yet to obtain the debit card

Edit: if you are withdrawing with a Malaysian debit card or any non Singaporean debit card, please choose "Decline Conversion"

UOB offers their own conversion which is SGD $50 for MYR 182.50

i performed a withdraw via GXBank Debit Card, SGD $50 for MYR 177 or MYR 175.80, performed ATM withdrawals on 2 separate days

just give ic. name and phone number only

why the hell is that needed when previously you can exchange currencies without questions asked for amounts below MYR 2,500

Your patient should start looking for job as I forsee cash money changer will be gone in 5 years.
You do know there is limitation on how much cash you can carry across border right?

Avangelice can u get someone to transfer MYR to that account? use the debit card to make local purchases (e.g., shopee, foodpanda) then empty out that account

why need to change country? directly topup to turkish money and buy cannot?

on another note, i was in japan and had to withdraw some emergency cash. only found familymart atm via japan post. service charge 220 for 10000 yen

just take note that malaysians can't open youtrip (yet)



https://exiap.com.my/compare/wise-vs-youtrip